|
|
|
"Security
First"
Corporate
Expatriate Medical & Disability Insurance
Overview
Our
Expat Medical & Disability Insurance is extremely comprehensive
and provides the resources to build a stronger and more satisfied
workforce. Few companies can match the flexibility of our Expat
Medical & Disability Insurance benefits package, which permits
us to tailor our proposal to your specific requirements.
There
are many methods available to control insurance costs and to customize
a plan to meet the needs of your staff. Clients may select from
several Deductible and Co-Payment levels to control costs, as
well as the geographic coverage that best suits their needs. For
an additional premium, clients can choose from optional features
like Preventive Care Benefits, Vision and Dental Care, Life Insurance,
Long-Term Disability, and emergency medical insurance for travelers.
Safe
Passage International offers three types of geographic coverage:
Worldwide, International and International Plus.
Worldwide
Coverage
-
No
geographic restrictions
-
Treatment
may be received anywhere in the world
-
Pre-authorization
is required for the curtain procedures
-
No
reimbursement for treatment received in the U.S. or Canada,
under any conditions
-
Some
specific areas, such as Hong Kong, Singapore, Switzerland, and
the United Kingdom require a co-pay equal to 20% of the first
$10,000 of covered expenses; assessed per person, per policy
year, and in addition to any other basic policy or treatment
co-pays.
-
Full
reimbursement in all other areas
-
International
Plus Coverage
-
Emergency
treatment is available in restricted areas
-
Emergency
treatment is defined in policy, and requires pre-approval
Schedule
of Benefits*
|
BENEFIT
|
PAYS
UP TO
|
| Medical
Expenses |
$2
Million per year
|
|
Inpatient Treatment |
Included
|
| Outpatient
Treatment |
Included
|
| Emergency
Medical Evacuation |
Included
|
| Repatriation |
$20,000
|
| Preventive
Care |
Optional
Coverage
|
| Dental
Coverage |
Optional
Coverage
|
| Vision
Coverage |
Optional
Coverage
|
| Life
Insurance |
Optional
Coverage
|
Benefit Highlights
-
$2,000,000
annual benefit maximum - relieves concern over limited coverage.
-
No
lifetime benefit maximum - complete peace of mind even for long-term
needs.
-
Full
coverage for preexisting conditions - eliminates concern over
existing medical conditions.
-
Emergency
medical air transportation - provides for air evacuation when
necessary.
-
Dependent
Coverage - allows for full coverage of dependents until age
21 or 24.
-
Prescription
drugs - are subject to a 20% co-payment outside of the United
States
-
HIV
coverage including AIDS treatment - excludes coverage as a pre-existing
condition.
-
Well
baby care - covers up to 9 visits and up to 24 months for immunizations.
-
Maternity
benefit of $10,000 - covers standard deliveries; 50% coverage
over $10,000.
-
Emergency
Room Treatment - covers standard emergency room expenses.
-
Emergency
Dental - $5,000 maximum for emergency treatment
-
Acupuncture
/ homeopathy - annual coverage of $500.
-
Addictive
Conditions - includes treatment program for drug and alcohol
abuse.
Exclusions
- Charges
in Excess of Usual and Customary - patient is responsible for excess
costs.
- Addictive
Conditions - treatment as a result of drug and alcohol abuse and self-inflicted
injury.
- Reproductive
Treatments - birth control pills, vasectomies, sexual dysfunction.
- Cosmetic
and Elective Surgery - treatment not deemed medically necessary.
* For complete
details of coverage, refer to the Summary
of Insurance.
__________________________________________________
|
%20copy.jpg)
